Date Received: 2021-04-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been a mortgage customer of Suntrust ( now Truist ) since XXXX of XXXX. When the pandemic hit, the company allowed borrowers to opt into a temporary forbearance. I opted into this program from XX/XX/XXXX until XX/XX/XXXX. I immediately started back paying my mortgage in XX/XX/XXXX after a 6-month forbearance. Since XX/XX/XXXX 's payment, my payments have not been applied to my mortgage account. They sent me a letter in XX/XX/XXXX dated XX/XX/XXXX about my mortgage adjustment. I sent back all the documents requested from me, and I was assured that my mortgage would reflect current within 30-60 days. It's nearly 4 months later, and my account is still not current. My payments are not being applied to my mortgage loan but are going into an " unapplied funds '' account. I have called Suntrust ( now Truist ) every other week for the past two months to get this corrected, and I'm continuously told that the message would be passed along. It is almost as if the employees don't even know what to say. It's very inconvenient, as it's not reflected on my credit report or online account that I'm making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Bank charged {$36.00} overdraft fee on account for me paying my electric bill, which unknowingly overdrew my account. DATE : XXXX XXXX Description : ELECTRONIC/ACH DEBIT WITHXXXX XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$88.00} Balance : - {$23.00} Description : OVERDRAFT ITEM FEE FOR ITEM {$88.00} WITHXXXX XXXX XXXX XXXX XXXX Withdrawals : - {$36.00} Balance : - {$59.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. XXXX XXXX - is refusing to do anything they are basically acting like they know nothing. XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. Regional Acceptance Corporation- does not have a number where you can actually reach a person or leave a message. There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SunTrust violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XX/XX/XXXX payment and scheduled for six months. Repayments started in XX/XX/XXXX. Beginning in XX/XX/XXXX-XX/XX/XXXX, SunTrust reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of SunTrust. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several SunTrust employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, SunTrust removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to SunTrust 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021, I wired XXXX US to the XXXX XXXX XXXX XXXX BB & T Bank ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Acct number XXXX in the name of XXXX XXXX XXXX ) for the purchase of a boat. I soon realized that I was scammed and asked BB & T to return the money. I also asked my bank XXXX to ask for the money back. To date BB & T has refused to reimburse the money to me or to XXXX. They have also declined to pursue the owners of the account which was used for the scam. XXXX has rolled over and accepted this outcome. Attached are the details of the scammer 's account. I would also like to add that I remained in touch with one of the scammers and begged the XXXX to track the owner of the scammer 's email account. I had no acknowledgment that this was done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: .on XX/XX/XXXX a check in the amount of XXXX had a stop payment put on it and it never got deposited into my checking account. I closed my account with Trust Bank / suntust bank shortly after this. My stimulus check cane in about this time and Turst bank decided to reopen my account and steal my money said I owed for a check that never was deposited, I feel this was a computer glitch because every thing was done electronically, but Trust bank doesnt want to acknowledge this fact so they can keep my money. There was supposed to be a 30 day hold and they stole it immediately. I have the stop payment receipt and screen shots of my account to proof this complaint, this bank is bad about reopening peoples accounts when they close them to seek as much fees and funding as they can. This is a very criminal and unscrupulous act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX my account was in the negative XXXXI called to try to resolve the issue of constant over draft fees explained by time my stimulus hits I will have less than half.I was told nothing they can do. My stimulus hit on XX/XX/XXXX after the negative I was left with XXXX. It is what it is. No problem On XX/XX/XXXX I'm still at a positive of XXXX. I never noticed anything until I received an email on XX/XX/XXXX stating on the 30ththey will be taking XXXX out of my account. I called to see what this is today XXXX they tell me its EIP. I wasnt aware of this when I called before none mentioned this when my stimulus hit they didnt apply this EIP. Come to find out they gave it to my acct on XXXX. I never noticed because I was at a positive. Now why didn't they help me before the stimulus so I got entire amount so over drawn fees would stop like I requested? Why wasn't I informed? Now they are going to put me in negative XXXX iget my XXXX on the 3ed by that time I'm lucky after fees I get XXXX to live on for the month of XXXX. I live on my XXXX that's it .I 'm confused, stressed out wont be able to pay bills food in XXXX because of this mess up the bank did.please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SUNTRUST BANK XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Well the bank always make escuse last time they denied my claim Took them long time To give me answer then they ask to file Police report they denied because they add a transaction that I not mention to them I did the second one it took them almost 20 days to give me result on dispute they only fix 10 they did same thing add something else they told me that they gon na do second review same thing they add atm they told me call them in 2 days and I did that they could find the transaction now they ask me to submit again Im just tired deal with them banker they act mean the one in XXXX Im just asking my money who know what they did with it was large amount money they always take their sweet time Im in real deep deap I own lot money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A